1. Independent Business Status
This Contractor Marketplace Agreement is between Completa LLC d/b/a Completa and the contractor business or sole proprietor accepted onto the platform. Contractor must operate as an independent business responsible for taxes, insurance, licensing, tools, materials, labor, supervision, safety, jobsite conduct, customer interactions, work quality, and legal compliance.
Contractor is not a Completa employee, general agent, joint venturer, franchisee, or Completa subcontractor. The express exception is payment collection for Contractor services: solely for collecting and processing Customer payments for Contractor services through the platform, Contractor appoints Completa LLC as Contractor's limited payment-collection agent. Contractor may accept or decline opportunities subject to platform rules and may maintain non-Completa customers and business activities, including bona fide pre-existing customer relationships.
2. Incorporated Documents
This Contractor Marketplace Agreement incorporates the contractor terms, platform terms, privacy/data disclosures, verification and insurance requirements, no-subcontracting rules, crew-user terms, fee and reserve terms, Stripe Connect payout terms, tax disclosures, and any project-specific SOW or change order accepted by the contractor. The current legal packet identifies the exact document names and versions presented to the contractor.
The Master General Provisions Addendum controls governing law, dispute resolution, class waiver, limitation of liability, indemnification, no-agency, force majeure, notices, survival, severability, and precedence unless a more specific signed project document controls the specific issue.
3. Service Area
Completa projects are currently available only for Texas project addresses unless Completa expressly opens another jurisdiction. Customers may not request, and contractors may not accept or perform, projects outside approved service areas through Completa. A project cannot proceed to SOW signature, payment authorization, work start, or contractor payout unless the project address is in an approved service area and the location-specific legal, tax, credential, notice, payment, and privacy requirements for that project are satisfied.
4. Employees, Crew, and No Subcontracting
Contractor may perform Completa projects using only contractor's own owners, W-2 employees, and approved crew members operating under contractor's account. Contractor may not subcontract, assign, delegate, sell, transfer, outsource, or pass off any Completa project, SOW obligation, milestone, change order, diagnostic visit, inspection, repair, installation, or customer-service obligation to a third-party business or subcontractor. Completa does not currently approve third-party subcontractors for on-platform work; the contractor business that accepted the project must perform the work through its owners, W-2 employees, or approved crew under the same contractor account, insurance, and verification structure.
Any person who accesses the app, views project or customer data, messages customers, uploads photos, enters customer property for a Completa project, provides progress updates, or participates in dispute evidence must accept Crew Member / Authorized User Terms before participation. Contractor remains responsible for all crew actions, omissions, safety, privacy, data use, work quality, and customer conduct.
5. Verification and Screening
Completa Verified is a composite marketplace eligibility status, not a guarantee. Completa currently background checks contractor owners/account principals only. Field crew members are not all individually background checked unless Completa has separately required and completed that screening, and contractor must not claim otherwise.
Completa may require identity verification and background checks for field crew members who enter customer property, perform on-site work, or interact with customers in the field, using the Background Check Authorization, FCRA Standalone Consumer Report Disclosure, and FCRA Background Check Disclosure Bundle. Contractor must not permit anyone to participate in a Completa project if contractor knows, or reasonably should know based on available records, prior incidents, license/insurance status, customer complaints, safety history, fraud indicators, or other documented facts, that the person presents a safety, fraud, theft, violence, harassment, licensing, insurance, or customer-trust risk.
Contractor must provide license information where required, insurance documents, workers' compensation proof or non-subscriber/no-coverage attestation, and sole proprietor/no-employee attestations where applicable. Missing, expired, unknown, or unverified required credentials may block onboarding, matching, work start, or payouts.
6. Project Work, Materials, and Change Orders
Every paid project requires a signed SOW or SOW-Lite/Service Order accepted by customer and contractor before work starts. Contractor may review a Completa Estimate before accepting and may submit a contractor-reviewed project price or require diagnostic-first handling. After acceptance, contractor may not unilaterally change price, milestones, materials, scope, or completion criteria.
Contractor is responsible for procuring all materials required to complete the approved scope unless a specific written exception is stated in the SOW. Customer may approve selections, finishes, upgrades, and allowances, but standard Completa projects do not make customer responsible for purchasing project materials. Any material change affecting price, scope, timeline, warranty, availability, or installation requirements requires an approved in-platform Change Order before purchase or installation.
7. Fees, Payouts, Reserves, and Connect
For standard marketplace projects, contractor pays the contractor platform fee disclosed in the current Contractor Fee Schedule and fixed in the project commercial terms at booking or SOW acceptance. The Contractor Fee Schedule is the canonical source for tier rates, Founding Pro taper timing, Connect 0% platform-fee treatment, and fee timing. Customer-facing service fees, Quick Book fees, sales tax, credits, ACH-first rail treatment, and customer-paid card/payment-processing treatment are separate line items and do not change the contractor tier schedule.
Contractor publicly holds out that Contractor accepts platform payments through Completa for signed on-platform projects. Contractor is the payee of record for contractor service amounts shown in the signed SOW, checkout, and receipt. Customer payment to Completa or its payment processor of any amount due to Contractor is deemed received by Contractor, satisfies Customer's payment obligation to Contractor for that amount, and Customer bears no risk of loss if Completa or its processor fails to remit to Contractor.
A customer-paid Card Processing Fee or Payment Processing Fee is not contractor revenue, not a contractor platform fee, not a contractor commission, and does not increase contractor payout unless a signed project-specific or account-specific addendum expressly says otherwise. ACH payment processing may delay final funding confirmation; contractor payout eligibility requires successful payment, not merely ACH processing.
Completa holds a risk-tiered cash reserve from milestone gross funded amount before the contractor payout transfer is released. The first/deposit milestone is reserve-exempt. Later milestones use the reserve policy fixed for that milestone: 3%, 5%, 8%, or 10% cash reserve depending on the job type, risk tier, and approved scope. The routine cash reserve period is seven (7) calendar days after milestone approval or valid auto-approval. Active disputes, chargebacks, suspected fraud, safety issues, prohibited subcontracting, unresolved compliance issues, or legal/payment holds may hold up to 100% of the affected amount through a separate hold record rather than changing the routine cash reserve window. Contractor authorizes Completa to administer refunds, transfer reversals, reserve applications, payout offsets, and agent-administered return of Contractor funds under the SOW, payment terms, refund policy, processor rules, and applicable law.
Completa Connect projects are contractor-originated, Completa payment-enabled projects. They carry no Completa platform fee, no contractor platform fee, and no contractor commission. Connect processing is contractor-paid; there is no customer-paid processing for Connect. The selected rail processing-cost deduction is not a Completa platform fee or contractor commission. Contractor must still keep SOW, payment, milestone release, change orders, disputes, warranty, and related records on-platform for the specific Connect project and related scope.